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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
In this article
Skipton Building Society is the fourth-largest building society in the UK and offers a range of mortgages for first-time buyers, home movers and those remortgaging.
Here, you can find out what real Skipton Building Society mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Skipton Building Society mortgage rates on the market right now.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Skipton mortgage review
Real Skipton customer views
We've asked 90 Skipton Building Society mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Skipton's mortgages to work out if it's a lender that offers competitive deals.
The building society once again performed well in our customer satisfaction survey, placing third in our table. Customers rated it highly for keeping them well informed and for its online access. However, it missed out on WRP status because it did not meet our requirements for competitive mortgage deals.
77%
out of 21 mortgage lenders ranked on customer score
To see how Skipton compares to other mortgage providers, head to our guide to the best mortgage lenders.
Anna McClean, market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. Skipton Building Society was joint 13th cheapest in our analysis, and was particularly competitive on its first-time buyer deals.'
Here's how Skipton Building Society did in our analysis:
Find out more: check which lenders came ahead of Skipton Building Society in our cheapest lender interest rate analysis
You can find the two-year fixed-rate mortgages Skipton is currently offering first-time buyers with an 80%, 90% or 95% LTV using the table.
To see how Skipton compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 80% | Skipton Building Society | 77% | 5.33% | £1,495 | 6.29% |
| 80% fee free | Skipton Building Society | 77% | 5.54% | £0 | 6.29% |
| 90% | Skipton Building Society | 77% | 5.41% | £1,495 | 6.29% |
| 90% fee free | Skipton Building Society | 77% | 5.65% | £0 | 6.29% |
| 95% | Skipton Building Society | 77% | 5.64% | £495 | 6.29% |
| 95% fee free | Skipton Building Society | 77% | 5.72% | £0 | 6.29% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2025. Providers must receive a minimum of 40 responses for inclusion in the results. Skipton had a sample size of 90.
You can find the two-year fixed-rate mortgages Skipton is currently offering to home movers with a 60%, 75%, or 85% LTV using the table.
To see how Skipton compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Skipton Building Society | 77% | 5.06% | £1,495 | 6.29% |
| 60% fee free | Skipton Building Society | 77% | 5.33% | £0 | 6.29% |
| 75% | Skipton Building Society | 77% | 5.22% | £1,495 | 6.29% |
| 75% fee free | Skipton Building Society | 77% | 5.44% | £0 | 6.29% |
| 85% | Skipton Building Society | 77% | 5.33% | £1,495 | 6.29% |
| 85% fee free | Skipton Building Society | 77% | 5.54% | £0 | 6.29% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2025. Providers must receive a minimum of 40 responses for inclusion in the results. Skipton had a sample size of 90.
You can find the two-year fixed-rate mortgages Skipton is currently offering to remortgagers with a 60%, 75%, or 85% LTV using the table.
To see how Skipton compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Skipton Building Society | 77% | 5.13% | £1,495 | 6.29% |
| 60% fee free | Skipton Building Society | 77% | 5.43% | £0 | 6.29% |
| 75% | Skipton Building Society | 77% | 5.23% | £1,495 | 6.29% |
| 75% fee free | Skipton Building Society | 77% | 5.51% | £0 | 6.29% |
| 85% | Skipton Building Society | 77% | 5.34% | £1,495 | 6.29% |
| 85% fee free | Skipton Building Society | 77% | 5.61% | £0 | 6.29% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2025. Providers must receive a minimum of 40 responses for inclusion in the results. Skipton had a sample size of 90.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Skipton mortgage customers about their experience with the lender.
Here's how customers rated Skipton in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for Skipton is 90.
Staff are always very helpful on the phone, and often give extra useful information.
Alongside customer scores and star ratings, we also gathered feedback from Skipton’s customers.
Most comments were positive, with customers praising how easy it is to contact the building society. One respondent said that when they needed to reduce their overpayments, they were able to speak to someone straight away.
Two respondents also praised Skipton Building Society for sending them a welcome box after they moved into their new homes.
When we checked in September 2026, there were 91 mortgages available from Skipton. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Skipton mortgages had initial periods of two, three or five years.
A smaller number of mortgages offered by Skipton were tracker deals, with initial terms lasting two years before reverting to Skipton’s standard variable rate.
Sole applicants with annual income less than £40,000, joint applicants with a combined annual income less than £60,000, and applicants with a loan-to-value ratio above 95% can borrow 4.49x their salary.
Applicants with salaries higher than the amounts above may qualify for loans 5x their income if they have at least a 5% deposit, and 5.5x if they have at least a 10% deposit.
Currently, Skipton Building Society doesn’t offer preferential rates for energy-efficient homes.
It does offer additional borrowing for energy-efficient home improvements. At least 50% of the loan must be spent on energy-efficient home improvements such as solar panels, insulating the property or new windows and doors. You can borrow between £5,000 and £50,000.
All of Skipton’s mortgages allow a maximum term length of 40 years.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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